P

R
O
T
E
C
T
PRUhrst gift
Footnotes:
1. Upon informing us of the birth of the child, the Mother’s PRUlink
protection account coverage will cease and the child’s PRUlink
protection account coverage will commence from the date of
birth of the child. We will also automatically include Crisis Cover
Provider III to the child’s PRUlink protection account policy.
The PRUlink protection account will terminate upon the expiry
of 60 days from the Estimated Due Date of the child if you have
not notified us of the birth of the child at that time. We will require
evidence of good health if you notify us after 60 days from the date
of birth of the child.
2. The life assured (expectant mother) must be between ages 19 to 45
next birthday and between 18 to 32 weeks of pregnancy.
3. For Pregnancy Complications Benefit, we pay $5,000 upon the
diagnosis of any one of the covered pregnancy complications. For
the Death of foetus coverage, there is a waiting period of 14 days
from the inception date of your policy. This benefit will terminate
upon the payment of the sum assured, or when the child is born,
whichever is earlier.
4. Benefits for the child’s PRUlink protection account coverage
will be reduced if Death and Terminal Illness occur when the child is
age 30 days and below, and for Disability and Critical Illness,
the benefits will be reduced when the child is below age one. Please
refer to your policy documents for the exact terms and conditions
on “Termination of Policy”. Death, Terminal Illness and Disability
benefits do not terminate at age 2.
5. Hospital Care Benefit, is only payable if the child is hospitalised in
Singapore or Malaysia for the covered conditions. It will terminate
upon the claim limit of $2,500 per life is reached or when the child
reaches the age of 2, whichever is earlier.
The First Gift that Begins from Within
The first and only offering of its kind in Singapore, PRUhrst
gift provides guaranteed protection
1
for your child even while
he or she is still in the womb
2
.
No other plan begins this early
PRUhrst gift protects your yet-to-be-born baby and the
expectant mother, immediately upon policy inception, and
from as early as 18 weeks into pregnancy. It also helps you
give your child a real head start in life even before he or she is
born–and plan for his or her future protection needs. Best of
all, it also offers you the flexibility to provide for your child’s
education and savings needs through investment.
Reassurance during pregnancy
PRUhrst gift covers the expectant mother against possible
Pregnancy Complications
3
as well as Death, Terminal Illness
and Disability
1
before childbirth, and your yet-to-be-born
baby against Death
3
.
Protection that begins from childbirth
Your baby’s guaranteed protection and investment plan
starts from the day he or she is born, without any need
for a health declaration
1
. In addition to enjoying coverage
against Death, Disability, Terminal Illness, Critical Illnesses
1,4

and Congenital Illnesses
6
, your child will also be eligible for
selected Hospital Care Benefits
5
.
• Lump sum payout of $5,000 per child for Congenital Illnesses
6

• Hospital Care Benefit
5
of $100 a day up to a limit of $2,500
for any of the following conditions:
- Incubation of a newborn child for more than 3 consecutive
days immediately following birth
- Premature childbirth requiring Neonatal ICU
- I npati ent hospi tal i sati on due to Hand, Foot and
Mouth Disease.
Call your Prudential Financial Consultant or
our PruCustomer Line at 1800 333 0 333.
www.prudential.com.sg
P
R
O
T
E
C
T
Prudential Assurance Company Singapore (Pte) Limited.
(Reg. No. 199002477Z)
30 Cecil Street #30-01 Prudential Tower
Singapore 049712
Tel: 1800 333 0 333 Fax: 6734 6953
Part of Prudential plc
About Prudential Assurance Company
Singapore (Pte) Limited
Prudential Singapore is one of the top life insurance
companies in Singapore and is a wholly owned subsidiary
of UK-based Prudential plc. As one of the market leaders
in investment-linked plans, Prudential Singapore has over
S$7.9 billion funds managed under PruLink funds as at 31
December 2009. With the dedicated team of approximately
3,800 financial consultants and over 600 employees,
Prudential Singapore has been serving the needs of more
than 600,000 policyholders with over 1.3 million policies
for almost 80 years in Singapore.
6. For Congenital Illness Benefit, we pay $5,000 if your child is
diagnosed by a registered medical practitioner as having any one of
the covered congenital illnesses. The child must be diagnosed with
Congenital Illness within two years from the date of delivery and
the child must survive at least 30 days from the date of delivery with
congenital illness. This benefit will terminate upon the payment of
sum assured or when child reaches the age of 2, whichever is earlier.
7. You must add the supplementary benefit(s) within 12 months from
the birth of your child. We provide this one-time discount of
20% for a maximum total yearly premium of $1,000. The list
of supplementary benefits eligible for discount will be determined
by Prudential Singapore and is subject to change without prior
notification.
8. Prudential Singapore reserves the right to change the Newborn Gift
Pack with items of equivalent value without prior notification. To
enjoy the Newborn Gift Pack, Prudential Singapore must be notified
of the child’s birth within 60 days from the child’s date of birth.
9. The premium is based on a female non-smoker, age 30 on her next
birthday.
10. Prudential Singapore reserves the right to vary the monthly adminstration
and assurance charges for the basic benefits of the Death, Total and
Permanent Disability, Terminal Illness and Crisis Cover Provider
III. However, we will give you 30 days written notice before doing
so.
11. Please refer to the PRUlink protection account policy document
for exact terms and conditions.
12. For Death Benefit of PRUmum2be, we pay $5,000 if the mother
dies during the term of the PRUmum2be policy. In that event, the
Pregnancy Complications Benefit automatically terminates while the
other benefits under PRUmum2be continue. The Death benefit
will terminate upon the payment of the sum assured or on the
third policy anniversary, whichever is earlier.
13. Investments are subject to investment risks including the possible
loss of the principal amount invested. The value of the units may fall
as well as rise.
14. For twins, we will pay the applicable sum assured for each twin in
accordance to the covered benefits.
Types of Pregnancy Complications
3,14
:
• Disseminated Intravascular
Coagulation
• Death of the Foetus
3

• Pre-Eclampsia or Eclampsia
• Fatty Liver of Pregnancy
• Amniotic Fluid Embolism
• Abruptio Placentae
• Postpartum Haemorrhage
requiring Hysterectomy
Types of Congenital Illnesses
6,14
:
• Down’s Syndrome
• Spina Bifida
• Tetralogy of Fallot
• Transposition of the
Great Vessels
• Atrial Septal Defect
• Absence of Two Limbs
• Anal Atresia
• Infantile Hydrocephalus
• Cleft Palate / Cleft Lip
• Cerebral Palsy
• Ventricular Septal Defect
• Club Foot
• Congenital Dislocation of Hip
• Congenital Blindness
• Congenital Deafness
• Congenital Diaphragmatic
Hernia
• Retinopathy of Prematurity
Please refer to the policy document for the exact terms
and conditions for the Pregnancy Complications Benefit and
Congenital Illnesses Benefit.
Benefits of PRUhrst gift
Enjoy Guaranteed Issuance Benefit
1
(for the child) and
Enhancement Benefit
7
, plus the following:
PRUmum2be PRUlink protection account
11
• Death Benefit
12
(mother)
• Pregnancy Complications
3
• Congenital Illnesses
6
• Hospital Care Benefit
5
• Death
1,4
• Terminal Illness
1,4
• Total and Permanent Disability
1,4
• Crisis Cover Provider III
1,4
(child)
• Potential investment returns
13
• Flexibility to adjust coverage
to suit different life stages and
needs of your child
We understand
you want to protect your
child before he is born
Simply choose from one of the available PRUhrst gift bundles.
PRUhrst gift 1 PRUhrst gift 2 PRUhrst gift 3
Sum Assured
PRUmum2be $5,000 $5,000 $5,000
PRUlink protection
account
$100,000 $200,000 $300,000
Premium payable
PRUmum2be
(Single Premium
9
)
$320 $320 $320
PRUlink protection
account
(Monthly Premium
10
)
$100
+
$200
+
$300
+
+
Premium is also available in quarterly, half-yearly and annual mode.
Note:
Your PRUhrst gift plan will not be valid if the birth of the child takes
place before the issuance of this plan.
This is for reference only and not a contract of insurance. Please refer
to the exact terms and conditions, specific details and exclusions
applicable to this insurance in the policy document that can be obtained
from a Prudential Financial Consultant.
Buying a life insurance policy is a long-term commitment. An early
termination of the policy usually involves high costs and the surrender
value payable may be less than the total premiums paid.
Investments are subject to investment risks including the possible loss
of the principal amount invested. The value of the units may fall as well
as rise.
Buying health insurance products that are not suitable for you may
impact your ability to finance your future healthcare needs. You
are recommended to seek advice from a qualified Financial Consultant
for a financial analysis before purchasing a policy suitable to meet
your needs.
In case of discrepancy between the English and Mandarin versions of
this brochure, the English version shall prevail.
Information is correct as at 15 June 2010.
PRUhrst gift: Protection from pregnancy to childbirth and beyond
PRUmum2be
Covers the mother against
pregnancy complications.
Covers the mother and
unborn child against death.
PRUlink protection account (including Crisis Cover Provider III)
Coverage on the child’s life commences
(coverage on the mother’s life ceases).
PRUlink protection
account Coverage on the
mother’s life.
Double your joy? Enjoy double protection too!
If you’re expecting twins, PRUhrst gift offers you the reassurance
that both the babies will be covered against selected Pregnancy
Complications
3
. Both babies will also enjoy Congenital Illness
Benefits
6
and Hospital Care Benefits
5
.
Enhancement benefit for your child
7
Add on supplementary benefits to your child’s plan within 12
months of his or her birth and enjoy a one-time 20% discount
off the first-year premiums.
A gift pack
8
for your newborn
Notify us of your child’s birth and you can look forward to
receiving an exclusive gift pack
8
(inclusive of an OMRON digital
thermometer and other complementary vouchers).
Two thoughtful plans rolled into one
PRUhrst gift cares for your bundle of joy through two plans
that provide seamless protection for both mother and baby,
namely PRUmum2be and PRUlink protection account.
PRUmum2be
Covers the child against
Congenital Illness and provides
Hospital Care Benefit. Covers
the mother against death.
PRUmum2be
Covers the
mother
against death.
Expectant Mothers
+

can only apply for PRUhrst gift during
18 and 32 weeks of pregnancy
+
The life assured (expectant mother) must be between age 19 to 45 next birthday.

18 wks 22 wks 26 wks 30 wks 32 wks
Birth
60 days
from Birth
2 Years old 3rd Year
Policy Anniversary
Whole Life
P
R
O
T
E
C
T
PRUhrst gift
Footnotes:
1. Upon informing us of the birth of the child, the Mother’s PRUlink
protection account coverage will cease and the child’s PRUlink
protection account coverage will commence from the date of
birth of the child. We will also automatically include Crisis Cover
Provider III to the child’s PRUlink protection account policy.
The PRUlink protection account will terminate upon the expiry
of 60 days from the Estimated Due Date of the child if you have
not notified us of the birth of the child at that time. We will require
evidence of good health if you notify us after 60 days from the date
of birth of the child.
2. The life assured (expectant mother) must be between ages 19 to 45
next birthday and between 18 to 32 weeks of pregnancy.
3. For Pregnancy Complications Benefit, we pay $5,000 upon the
diagnosis of any one of the covered pregnancy complications. For
the Death of foetus coverage, there is a waiting period of 14 days
from the inception date of your policy. This benefit will terminate
upon the payment of the sum assured, or when the child is born,
whichever is earlier.
4. Benefits for the child’s PRUlink protection account coverage
will be reduced if Death and Terminal Illness occur when the child is
age 30 days and below, and for Disability and Critical Illness,
the benefits will be reduced when the child is below age one. Please
refer to your policy documents for the exact terms and conditions
on “Termination of Policy”. Death, Terminal Illness and Disability
benefits do not terminate at age 2.
5. Hospital Care Benefit, is only payable if the child is hospitalised in
Singapore or Malaysia for the covered conditions. It will terminate
upon the claim limit of $2,500 per life is reached or when the child
reaches the age of 2, whichever is earlier.
The First Gift that Begins from Within
The first and only offering of its kind in Singapore, PRUhrst
gift provides guaranteed protection
1
for your child even while
he or she is still in the womb
2
.
No other plan begins this early
PRUhrst gift protects your yet-to-be-born baby and the
expectant mother, immediately upon policy inception, and
from as early as 18 weeks into pregnancy. It also helps you
give your child a real head start in life even before he or she is
born–and plan for his or her future protection needs. Best of
all, it also offers you the flexibility to provide for your child’s
education and savings needs through investment.
Reassurance during pregnancy
PRUhrst gift covers the expectant mother against possible
Pregnancy Complications
3
as well as Death, Terminal Illness
and Disability
1
before childbirth, and your yet-to-be-born
baby against Death
3
.
Protection that begins from childbirth
Your baby’s guaranteed protection and investment plan
starts from the day he or she is born, without any need
for a health declaration
1
. In addition to enjoying coverage
against Death, Disability, Terminal Illness, Critical Illnesses
1,4

and Congenital Illnesses
6
, your child will also be eligible for
selected Hospital Care Benefits
5
.
• Lump sum payout of $5,000 per child for Congenital Illnesses
6

• Hospital Care Benefit
5
of $100 a day up to a limit of $2,500
for any of the following conditions:
- Incubation of a newborn child for more than 3 consecutive
days immediately following birth
- Premature childbirth requiring Neonatal ICU
- I npati ent hospi tal i sati on due to Hand, Foot and
Mouth Disease.
Call your Prudential Financial Consultant or
our PruCustomer Line at 1800 333 0 333.
www.prudential.com.sg
P
R
O
T
E
C
T
Prudential Assurance Company Singapore (Pte) Limited.
(Reg. No. 199002477Z)
30 Cecil Street #30-01 Prudential Tower
Singapore 049712
Tel: 1800 333 0 333 Fax: 6734 6953
Part of Prudential plc
About Prudential Assurance Company
Singapore (Pte) Limited
Prudential Singapore is one of the top life insurance
companies in Singapore and is a wholly owned subsidiary
of UK-based Prudential plc. As one of the market leaders
in investment-linked plans, Prudential Singapore has over
S$7.9 billion funds managed under PruLink funds as at 31
December 2009. With the dedicated team of approximately
3,800 financial consultants and over 600 employees,
Prudential Singapore has been serving the needs of more
than 600,000 policyholders with over 1.3 million policies
for almost 80 years in Singapore.
6. For Congenital Illness Benefit, we pay $5,000 if your child is
diagnosed by a registered medical practitioner as having any one of
the covered congenital illnesses. The child must be diagnosed with
Congenital Illness within two years from the date of delivery and
the child must survive at least 30 days from the date of delivery with
congenital illness. This benefit will terminate upon the payment of
sum assured or when child reaches the age of 2, whichever is earlier.
7. You must add the supplementary benefit(s) within 12 months from
the birth of your child. We provide this one-time discount of
20% for a maximum total yearly premium of $1,000. The list
of supplementary benefits eligible for discount will be determined
by Prudential Singapore and is subject to change without prior
notification.
8. Prudential Singapore reserves the right to change the Newborn Gift
Pack with items of equivalent value without prior notification. To
enjoy the Newborn Gift Pack, Prudential Singapore must be notified
of the child’s birth within 60 days from the child’s date of birth.
9. The premium is based on a female non-smoker, age 30 on her next
birthday.
10. Prudential Singapore reserves the right to vary the monthly adminstration
and assurance charges for the basic benefits of the Death, Total and
Permanent Disability, Terminal Illness and Crisis Cover Provider
III. However, we will give you 30 days written notice before doing
so.
11. Please refer to the PRUlink protection account policy document
for exact terms and conditions.
12. For Death Benefit of PRUmum2be, we pay $5,000 if the mother
dies during the term of the PRUmum2be policy. In that event, the
Pregnancy Complications Benefit automatically terminates while the
other benefits under PRUmum2be continue. The Death benefit
will terminate upon the payment of the sum assured or on the
third policy anniversary, whichever is earlier.
13. Investments are subject to investment risks including the possible
loss of the principal amount invested. The value of the units may fall
as well as rise.
14. For twins, we will pay the applicable sum assured for each twin in
accordance to the covered benefits.
Types of Pregnancy Complications
3,14
:
• Disseminated Intravascular
Coagulation
• Death of the Foetus
3

• Pre-Eclampsia or Eclampsia
• Fatty Liver of Pregnancy
• Amniotic Fluid Embolism
• Abruptio Placentae
• Postpartum Haemorrhage
requiring Hysterectomy
Types of Congenital Illnesses
6,14
:
• Down’s Syndrome
• Spina Bifida
• Tetralogy of Fallot
• Transposition of the
Great Vessels
• Atrial Septal Defect
• Absence of Two Limbs
• Anal Atresia
• Infantile Hydrocephalus
• Cleft Palate / Cleft Lip
• Cerebral Palsy
• Ventricular Septal Defect
• Club Foot
• Congenital Dislocation of Hip
• Congenital Blindness
• Congenital Deafness
• Congenital Diaphragmatic
Hernia
• Retinopathy of Prematurity
Please refer to the policy document for the exact terms
and conditions for the Pregnancy Complications Benefit and
Congenital Illnesses Benefit.
Benefits of PRUhrst gift
Enjoy Guaranteed Issuance Benefit
1
(for the child) and
Enhancement Benefit
7
, plus the following:
PRUmum2be PRUlink protection account
11
• Death Benefit
12
(mother)
• Pregnancy Complications
3
• Congenital Illnesses
6
• Hospital Care Benefit
5
• Death
1,4
• Terminal Illness
1,4
• Total and Permanent Disability
1,4
• Crisis Cover Provider III
1,4
(child)
• Potential investment returns
13
• Flexibility to adjust coverage
to suit different life stages and
needs of your child
We understand
you want to protect your
child before he is born
Simply choose from one of the available PRUhrst gift bundles.
PRUhrst gift 1 PRUhrst gift 2 PRUhrst gift 3
Sum Assured
PRUmum2be $5,000 $5,000 $5,000
PRUlink protection
account
$100,000 $200,000 $300,000
Premium payable
PRUmum2be
(Single Premium
9
)
$320 $320 $320
PRUlink protection
account
(Monthly Premium
10
)
$100
+
$200
+
$300
+
+
Premium is also available in quarterly, half-yearly and annual mode.
Note:
Your PRUhrst gift plan will not be valid if the birth of the child takes
place before the issuance of this plan.
This is for reference only and not a contract of insurance. Please refer
to the exact terms and conditions, specific details and exclusions
applicable to this insurance in the policy document that can be obtained
from a Prudential Financial Consultant.
Buying a life insurance policy is a long-term commitment. An early
termination of the policy usually involves high costs and the surrender
value payable may be less than the total premiums paid.
Investments are subject to investment risks including the possible loss
of the principal amount invested. The value of the units may fall as well
as rise.
Buying health insurance products that are not suitable for you may
impact your ability to finance your future healthcare needs. You
are recommended to seek advice from a qualified Financial Consultant
for a financial analysis before purchasing a policy suitable to meet
your needs.
In case of discrepancy between the English and Mandarin versions of
this brochure, the English version shall prevail.
Information is correct as at 15 June 2010.
PRUhrst gift: Protection from pregnancy to childbirth and beyond
PRUmum2be
Covers the mother against
pregnancy complications.
Covers the mother and
unborn child against death.
PRUlink protection account (including Crisis Cover Provider III)
Coverage on the child’s life commences
(coverage on the mother’s life ceases).
PRUlink protection
account Coverage on the
mother’s life.
Double your joy? Enjoy double protection too!
If you’re expecting twins, PRUhrst gift offers you the reassurance
that both the babies will be covered against selected Pregnancy
Complications
3
. Both babies will also enjoy Congenital Illness
Benefits
6
and Hospital Care Benefits
5
.
Enhancement benefit for your child
7
Add on supplementary benefits to your child’s plan within 12
months of his or her birth and enjoy a one-time 20% discount
off the first-year premiums.
A gift pack
8
for your newborn
Notify us of your child’s birth and you can look forward to
receiving an exclusive gift pack
8
(inclusive of an OMRON digital
thermometer and other complementary vouchers).
Two thoughtful plans rolled into one
PRUhrst gift cares for your bundle of joy through two plans
that provide seamless protection for both mother and baby,
namely PRUmum2be and PRUlink protection account.
PRUmum2be
Covers the child against
Congenital Illness and provides
Hospital Care Benefit. Covers
the mother against death.
PRUmum2be
Covers the
mother
against death.
Expectant Mothers
+

can only apply for PRUhrst gift during
18 and 32 weeks of pregnancy
+
The life assured (expectant mother) must be between age 19 to 45 next birthday.

18 wks 22 wks 26 wks 30 wks 32 wks
Birth
60 days
from Birth
2 Years old 3rd Year
Policy Anniversary
Whole Life
P
R
O
T
E
C
T
PRUhrst gift
Footnotes:
1. Upon informing us of the birth of the child, the Mother’s PRUlink
protection account coverage will cease and the child’s PRUlink
protection account coverage will commence from the date of
birth of the child. We will also automatically include Crisis Cover
Provider III to the child’s PRUlink protection account policy.
The PRUlink protection account will terminate upon the expiry
of 60 days from the Estimated Due Date of the child if you have
not notified us of the birth of the child at that time. We will require
evidence of good health if you notify us after 60 days from the date
of birth of the child.
2. The life assured (expectant mother) must be between ages 19 to 45
next birthday and between 18 to 32 weeks of pregnancy.
3. For Pregnancy Complications Benefit, we pay $5,000 upon the
diagnosis of any one of the covered pregnancy complications. For
the Death of foetus coverage, there is a waiting period of 14 days
from the inception date of your policy. This benefit will terminate
upon the payment of the sum assured, or when the child is born,
whichever is earlier.
4. Benefits for the child’s PRUlink protection account coverage
will be reduced if Death and Terminal Illness occur when the child is
age 30 days and below, and for Disability and Critical Illness,
the benefits will be reduced when the child is below age one. Please
refer to your policy documents for the exact terms and conditions
on “Termination of Policy”. Death, Terminal Illness and Disability
benefits do not terminate at age 2.
5. Hospital Care Benefit, is only payable if the child is hospitalised in
Singapore or Malaysia for the covered conditions. It will terminate
upon the claim limit of $2,500 per life is reached or when the child
reaches the age of 2, whichever is earlier.
The First Gift that Begins from Within
The first and only offering of its kind in Singapore, PRUhrst
gift provides guaranteed protection
1
for your child even while
he or she is still in the womb
2
.
No other plan begins this early
PRUhrst gift protects your yet-to-be-born baby and the
expectant mother, immediately upon policy inception, and
from as early as 18 weeks into pregnancy. It also helps you
give your child a real head start in life even before he or she is
born–and plan for his or her future protection needs. Best of
all, it also offers you the flexibility to provide for your child’s
education and savings needs through investment.
Reassurance during pregnancy
PRUhrst gift covers the expectant mother against possible
Pregnancy Complications
3
as well as Death, Terminal Illness
and Disability
1
before childbirth, and your yet-to-be-born
baby against Death
3
.
Protection that begins from childbirth
Your baby’s guaranteed protection and investment plan
starts from the day he or she is born, without any need
for a health declaration
1
. In addition to enjoying coverage
against Death, Disability, Terminal Illness, Critical Illnesses
1,4

and Congenital Illnesses
6
, your child will also be eligible for
selected Hospital Care Benefits
5
.
• Lump sum payout of $5,000 per child for Congenital Illnesses
6

• Hospital Care Benefit
5
of $100 a day up to a limit of $2,500
for any of the following conditions:
- Incubation of a newborn child for more than 3 consecutive
days immediately following birth
- Premature childbirth requiring Neonatal ICU
- I npati ent hospi tal i sati on due to Hand, Foot and
Mouth Disease.
Call your Prudential Financial Consultant or
our PruCustomer Line at 1800 333 0 333.
www.prudential.com.sg
P
R
O
T
E
C
T
Prudential Assurance Company Singapore (Pte) Limited.
(Reg. No. 199002477Z)
30 Cecil Street #30-01 Prudential Tower
Singapore 049712
Tel: 1800 333 0 333 Fax: 6734 6953
Part of Prudential plc
About Prudential Assurance Company
Singapore (Pte) Limited
Prudential Singapore is one of the top life insurance
companies in Singapore and is a wholly owned subsidiary
of UK-based Prudential plc. As one of the market leaders
in investment-linked plans, Prudential Singapore has over
S$7.9 billion funds managed under PruLink funds as at 31
December 2009. With the dedicated team of approximately
3,800 financial consultants and over 600 employees,
Prudential Singapore has been serving the needs of more
than 600,000 policyholders with over 1.3 million policies
for almost 80 years in Singapore.
6. For Congenital Illness Benefit, we pay $5,000 if your child is
diagnosed by a registered medical practitioner as having any one of
the covered congenital illnesses. The child must be diagnosed with
Congenital Illness within two years from the date of delivery and
the child must survive at least 30 days from the date of delivery with
congenital illness. This benefit will terminate upon the payment of
sum assured or when child reaches the age of 2, whichever is earlier.
7. You must add the supplementary benefit(s) within 12 months from
the birth of your child. We provide this one-time discount of
20% for a maximum total yearly premium of $1,000. The list
of supplementary benefits eligible for discount will be determined
by Prudential Singapore and is subject to change without prior
notification.
8. Prudential Singapore reserves the right to change the Newborn Gift
Pack with items of equivalent value without prior notification. To
enjoy the Newborn Gift Pack, Prudential Singapore must be notified
of the child’s birth within 60 days from the child’s date of birth.
9. The premium is based on a female non-smoker, age 30 on her next
birthday.
10. Prudential Singapore reserves the right to vary the monthly adminstration
and assurance charges for the basic benefits of the Death, Total and
Permanent Disability, Terminal Illness and Crisis Cover Provider
III. However, we will give you 30 days written notice before doing
so.
11. Please refer to the PRUlink protection account policy document
for exact terms and conditions.
12. For Death Benefit of PRUmum2be, we pay $5,000 if the mother
dies during the term of the PRUmum2be policy. In that event, the
Pregnancy Complications Benefit automatically terminates while the
other benefits under PRUmum2be continue. The Death benefit
will terminate upon the payment of the sum assured or on the
third policy anniversary, whichever is earlier.
13. Investments are subject to investment risks including the possible
loss of the principal amount invested. The value of the units may fall
as well as rise.
14. For twins, we will pay the applicable sum assured for each twin in
accordance to the covered benefits.
Types of Pregnancy Complications
3,14
:
• Disseminated Intravascular
Coagulation
• Death of the Foetus
3

• Pre-Eclampsia or Eclampsia
• Fatty Liver of Pregnancy
• Amniotic Fluid Embolism
• Abruptio Placentae
• Postpartum Haemorrhage
requiring Hysterectomy
Types of Congenital Illnesses
6,14
:
• Down’s Syndrome
• Spina Bifida
• Tetralogy of Fallot
• Transposition of the
Great Vessels
• Atrial Septal Defect
• Absence of Two Limbs
• Anal Atresia
• Infantile Hydrocephalus
• Cleft Palate / Cleft Lip
• Cerebral Palsy
• Ventricular Septal Defect
• Club Foot
• Congenital Dislocation of Hip
• Congenital Blindness
• Congenital Deafness
• Congenital Diaphragmatic
Hernia
• Retinopathy of Prematurity
Please refer to the policy document for the exact terms
and conditions for the Pregnancy Complications Benefit and
Congenital Illnesses Benefit.
Benefits of PRUhrst gift
Enjoy Guaranteed Issuance Benefit
1
(for the child) and
Enhancement Benefit
7
, plus the following:
PRUmum2be PRUlink protection account
11
• Death Benefit
12
(mother)
• Pregnancy Complications
3
• Congenital Illnesses
6
• Hospital Care Benefit
5
• Death
1,4
• Terminal Illness
1,4
• Total and Permanent Disability
1,4
• Crisis Cover Provider III
1,4
(child)
• Potential investment returns
13
• Flexibility to adjust coverage
to suit different life stages and
needs of your child
We understand
you want to protect your
child before he is born
Simply choose from one of the available PRUhrst gift bundles.
PRUhrst gift 1 PRUhrst gift 2 PRUhrst gift 3
Sum Assured
PRUmum2be $5,000 $5,000 $5,000
PRUlink protection
account
$100,000 $200,000 $300,000
Premium payable
PRUmum2be
(Single Premium
9
)
$320 $320 $320
PRUlink protection
account
(Monthly Premium
10
)
$100
+
$200
+
$300
+
+
Premium is also available in quarterly, half-yearly and annual mode.
Note:
Your PRUhrst gift plan will not be valid if the birth of the child takes
place before the issuance of this plan.
This is for reference only and not a contract of insurance. Please refer
to the exact terms and conditions, specific details and exclusions
applicable to this insurance in the policy document that can be obtained
from a Prudential Financial Consultant.
Buying a life insurance policy is a long-term commitment. An early
termination of the policy usually involves high costs and the surrender
value payable may be less than the total premiums paid.
Investments are subject to investment risks including the possible loss
of the principal amount invested. The value of the units may fall as well
as rise.
Buying health insurance products that are not suitable for you may
impact your ability to finance your future healthcare needs. You
are recommended to seek advice from a qualified Financial Consultant
for a financial analysis before purchasing a policy suitable to meet
your needs.
In case of discrepancy between the English and Mandarin versions of
this brochure, the English version shall prevail.
Information is correct as at 15 June 2010.
PRUhrst gift: Protection from pregnancy to childbirth and beyond
PRUmum2be
Covers the mother against
pregnancy complications.
Covers the mother and
unborn child against death.
PRUlink protection account (including Crisis Cover Provider III)
Coverage on the child’s life commences
(coverage on the mother’s life ceases).
PRUlink protection
account Coverage on the
mother’s life.
Double your joy? Enjoy double protection too!
If you’re expecting twins, PRUhrst gift offers you the reassurance
that both the babies will be covered against selected Pregnancy
Complications
3
. Both babies will also enjoy Congenital Illness
Benefits
6
and Hospital Care Benefits
5
.
Enhancement benefit for your child
7
Add on supplementary benefits to your child’s plan within 12
months of his or her birth and enjoy a one-time 20% discount
off the first-year premiums.
A gift pack
8
for your newborn
Notify us of your child’s birth and you can look forward to
receiving an exclusive gift pack
8
(inclusive of an OMRON digital
thermometer and other complementary vouchers).
Two thoughtful plans rolled into one
PRUhrst gift cares for your bundle of joy through two plans
that provide seamless protection for both mother and baby,
namely PRUmum2be and PRUlink protection account.
PRUmum2be
Covers the child against
Congenital Illness and provides
Hospital Care Benefit. Covers
the mother against death.
PRUmum2be
Covers the
mother
against death.
Expectant Mothers
+

can only apply for PRUhrst gift during
18 and 32 weeks of pregnancy
+
The life assured (expectant mother) must be between age 19 to 45 next birthday.

18 wks 22 wks 26 wks 30 wks 32 wks Birth 60 days
from Birth
2 Years old 3rd Year
Policy Anniversary
Whole Life
P
R
O
T
E
C
T
PRUhrst gift
Footnotes:
1. Upon informing us of the birth of the child, the Mother’s PRUlink
protection account coverage will cease and the child’s PRUlink
protection account coverage will commence from the date of
birth of the child. We will also automatically include Crisis Cover
Provider III to the child’s PRUlink protection account policy.
The PRUlink protection account will terminate upon the expiry
of 60 days from the Estimated Due Date of the child if you have
not notified us of the birth of the child at that time. We will require
evidence of good health if you notify us after 60 days from the date
of birth of the child.
2. The life assured (expectant mother) must be between ages 19 to 45
next birthday and between 18 to 32 weeks of pregnancy.
3. For Pregnancy Complications Benefit, we pay $5,000 upon the
diagnosis of any one of the covered pregnancy complications. For
the Death of foetus coverage, there is a waiting period of 14 days
from the inception date of your policy. This benefit will terminate
upon the payment of the sum assured, or when the child is born,
whichever is earlier.
4. Benefits for the child’s PRUlink protection account coverage
will be reduced if Death and Terminal Illness occur when the child is
age 30 days and below, and for Disability and Critical Illness,
the benefits will be reduced when the child is below age one. Please
refer to your policy documents for the exact terms and conditions
on “Termination of Policy”. Death, Terminal Illness and Disability
benefits do not terminate at age 2.
5. Hospital Care Benefit, is only payable if the child is hospitalised in
Singapore or Malaysia for the covered conditions. It will terminate
upon the claim limit of $2,500 per life is reached or when the child
reaches the age of 2, whichever is earlier.
The First Gift that Begins from Within
The first and only offering of its kind in Singapore, PRUhrst
gift provides guaranteed protection
1
for your child even while
he or she is still in the womb
2
.
No other plan begins this early
PRUhrst gift protects your yet-to-be-born baby and the
expectant mother, immediately upon policy inception, and
from as early as 18 weeks into pregnancy. It also helps you
give your child a real head start in life even before he or she is
born–and plan for his or her future protection needs. Best of
all, it also offers you the flexibility to provide for your child’s
education and savings needs through investment.
Reassurance during pregnancy
PRUhrst gift covers the expectant mother against possible
Pregnancy Complications
3
as well as Death, Terminal Illness
and Disability
1
before childbirth, and your yet-to-be-born
baby against Death
3
.
Protection that begins from childbirth
Your baby’s guaranteed protection and investment plan
starts from the day he or she is born, without any need
for a health declaration
1
. In addition to enjoying coverage
against Death, Disability, Terminal Illness, Critical Illnesses
1,4

and Congenital Illnesses
6
, your child will also be eligible for
selected Hospital Care Benefits
5
.
• Lump sum payout of $5,000 per child for Congenital Illnesses
6

• Hospital Care Benefit
5
of $100 a day up to a limit of $2,500
for any of the following conditions:
- Incubation of a newborn child for more than 3 consecutive
days immediately following birth
- Premature childbirth requiring Neonatal ICU
- I npati ent hospi tal i sati on due to Hand, Foot and
Mouth Disease.
Call your Prudential Financial Consultant or
our PruCustomer Line at 1800 333 0 333.
www.prudential.com.sg
P
R
O
T
E
C
T
Prudential Assurance Company Singapore (Pte) Limited.
(Reg. No. 199002477Z)
30 Cecil Street #30-01 Prudential Tower
Singapore 049712
Tel: 1800 333 0 333 Fax: 6734 6953
Part of Prudential plc
About Prudential Assurance Company
Singapore (Pte) Limited
Prudential Singapore is one of the top life insurance
companies in Singapore and is a wholly owned subsidiary
of UK-based Prudential plc. As one of the market leaders
in investment-linked plans, Prudential Singapore has over
S$7.9 billion funds managed under PruLink funds as at 31
December 2009. With the dedicated team of approximately
3,800 financial consultants and over 600 employees,
Prudential Singapore has been serving the needs of more
than 600,000 policyholders with over 1.3 million policies
for almost 80 years in Singapore.
6. For Congenital Illness Benefit, we pay $5,000 if your child is
diagnosed by a registered medical practitioner as having any one of
the covered congenital illnesses. The child must be diagnosed with
Congenital Illness within two years from the date of delivery and
the child must survive at least 30 days from the date of delivery with
congenital illness. This benefit will terminate upon the payment of
sum assured or when child reaches the age of 2, whichever is earlier.
7. You must add the supplementary benefit(s) within 12 months from
the birth of your child. We provide this one-time discount of
20% for a maximum total yearly premium of $1,000. The list
of supplementary benefits eligible for discount will be determined
by Prudential Singapore and is subject to change without prior
notification.
8. Prudential Singapore reserves the right to change the Newborn Gift
Pack with items of equivalent value without prior notification. To
enjoy the Newborn Gift Pack, Prudential Singapore must be notified
of the child’s birth within 60 days from the child’s date of birth.
9. The premium is based on a female non-smoker, age 30 on her next
birthday.
10. Prudential Singapore reserves the right to vary the monthly adminstration
and assurance charges for the basic benefits of the Death, Total and
Permanent Disability, Terminal Illness and Crisis Cover Provider
III. However, we will give you 30 days written notice before doing
so.
11. Please refer to the PRUlink protection account policy document
for exact terms and conditions.
12. For Death Benefit of PRUmum2be, we pay $5,000 if the mother
dies during the term of the PRUmum2be policy. In that event, the
Pregnancy Complications Benefit automatically terminates while the
other benefits under PRUmum2be continue. The Death benefit
will terminate upon the payment of the sum assured or on the
third policy anniversary, whichever is earlier.
13. Investments are subject to investment risks including the possible
loss of the principal amount invested. The value of the units may fall
as well as rise.
14. For twins, we will pay the applicable sum assured for each twin in
accordance to the covered benefits.
Types of Pregnancy Complications
3,14
:
• Disseminated Intravascular
Coagulation
• Death of the Foetus
3

• Pre-Eclampsia or Eclampsia
• Fatty Liver of Pregnancy
• Amniotic Fluid Embolism
• Abruptio Placentae
• Postpartum Haemorrhage
requiring Hysterectomy
Types of Congenital Illnesses
6,14
:
• Down’s Syndrome
• Spina Bifida
• Tetralogy of Fallot
• Transposition of the
Great Vessels
• Atrial Septal Defect
• Absence of Two Limbs
• Anal Atresia
• Infantile Hydrocephalus
• Cleft Palate / Cleft Lip
• Cerebral Palsy
• Ventricular Septal Defect
• Club Foot
• Congenital Dislocation of Hip
• Congenital Blindness
• Congenital Deafness
• Congenital Diaphragmatic
Hernia
• Retinopathy of Prematurity
Please refer to the policy document for the exact terms
and conditions for the Pregnancy Complications Benefit and
Congenital Illnesses Benefit.
Benefits of PRUhrst gift
Enjoy Guaranteed Issuance Benefit
1
(for the child) and
Enhancement Benefit
7
, plus the following:
PRUmum2be PRUlink protection account
11
• Death Benefit
12
(mother)
• Pregnancy Complications
3
• Congenital Illnesses
6
• Hospital Care Benefit
5
• Death
1,4
• Terminal Illness
1,4
• Total and Permanent Disability
1,4
• Crisis Cover Provider III
1,4
(child)
• Potential investment returns
13
• Flexibility to adjust coverage
to suit different life stages and
needs of your child
We understand
you want to protect your
child before he is born
Simply choose from one of the available PRUhrst gift bundles.
PRUhrst gift 1 PRUhrst gift 2 PRUhrst gift 3
Sum Assured
PRUmum2be $5,000 $5,000 $5,000
PRUlink protection
account
$100,000 $200,000 $300,000
Premium payable
PRUmum2be
(Single Premium
9
)
$320 $320 $320
PRUlink protection
account
(Monthly Premium
10
)
$100
+
$200
+
$300
+
+
Premium is also available in quarterly, half-yearly and annual mode.
Note:
Your PRUhrst gift plan will not be valid if the birth of the child takes
place before the issuance of this plan.
This is for reference only and not a contract of insurance. Please refer
to the exact terms and conditions, specific details and exclusions
applicable to this insurance in the policy document that can be obtained
from a Prudential Financial Consultant.
Buying a life insurance policy is a long-term commitment. An early
termination of the policy usually involves high costs and the surrender
value payable may be less than the total premiums paid.
Investments are subject to investment risks including the possible loss
of the principal amount invested. The value of the units may fall as well
as rise.
Buying health insurance products that are not suitable for you may
impact your ability to finance your future healthcare needs. You
are recommended to seek advice from a qualified Financial Consultant
for a financial analysis before purchasing a policy suitable to meet
your needs.
In case of discrepancy between the English and Mandarin versions of
this brochure, the English version shall prevail.
Information is correct as at 15 June 2010.
PRUhrst gift: Protection from pregnancy to childbirth and beyond
PRUmum2be
Covers the mother against
pregnancy complications.
Covers the mother and
unborn child against death.
PRUlink protection account (including Crisis Cover Provider III)
Coverage on the child’s life commences
(coverage on the mother’s life ceases).
PRUlink protection
account Coverage on the
mother’s life.
Double your joy? Enjoy double protection too!
If you’re expecting twins, PRUhrst gift offers you the reassurance
that both the babies will be covered against selected Pregnancy
Complications
3
. Both babies will also enjoy Congenital Illness
Benefits
6
and Hospital Care Benefits
5
.
Enhancement benefit for your child
7
Add on supplementary benefits to your child’s plan within 12
months of his or her birth and enjoy a one-time 20% discount
off the first-year premiums.
A gift pack
8
for your newborn
Notify us of your child’s birth and you can look forward to
receiving an exclusive gift pack
8
(inclusive of an OMRON digital
thermometer and other complementary vouchers).
Two thoughtful plans rolled into one
PRUhrst gift cares for your bundle of joy through two plans
that provide seamless protection for both mother and baby,
namely PRUmum2be and PRUlink protection account.
PRUmum2be
Covers the child against
Congenital Illness and provides
Hospital Care Benefit. Covers
the mother against death.
PRUmum2be
Covers the
mother
against death.
Expectant Mothers
+

can only apply for PRUhrst gift during
18 and 32 weeks of pregnancy
+
The life assured (expectant mother) must be between age 19 to 45 next birthday.

18 wks 22 wks 26 wks 30 wks 32 wks
Birth
60 days
from Birth
2 Years old 3rd Year
Policy Anniversary
Whole Life
P
R
O
T
E
C
T
PRUhrst gift
Footnotes:
1. Upon informing us of the birth of the child, the Mother’s PRUlink
protection account coverage will cease and the child’s PRUlink
protection account coverage will commence from the date of
birth of the child. We will also automatically include Crisis Cover
Provider III to the child’s PRUlink protection account policy.
The PRUlink protection account will terminate upon the expiry
of 60 days from the Estimated Due Date of the child if you have
not notified us of the birth of the child at that time. We will require
evidence of good health if you notify us after 60 days from the date
of birth of the child.
2. The life assured (expectant mother) must be between ages 19 to 45
next birthday and between 18 to 32 weeks of pregnancy.
3. For Pregnancy Complications Benefit, we pay $5,000 upon the
diagnosis of any one of the covered pregnancy complications. For
the Death of foetus coverage, there is a waiting period of 14 days
from the inception date of your policy. This benefit will terminate
upon the payment of the sum assured, or when the child is born,
whichever is earlier.
4. Benefits for the child’s PRUlink protection account coverage
will be reduced if Death and Terminal Illness occur when the child is
age 30 days and below, and for Disability and Critical Illness,
the benefits will be reduced when the child is below age one. Please
refer to your policy documents for the exact terms and conditions
on “Termination of Policy”. Death, Terminal Illness and Disability
benefits do not terminate at age 2.
5. Hospital Care Benefit, is only payable if the child is hospitalised in
Singapore or Malaysia for the covered conditions. It will terminate
upon the claim limit of $2,500 per life is reached or when the child
reaches the age of 2, whichever is earlier.
The First Gift that Begins from Within
The first and only offering of its kind in Singapore, PRUhrst
gift provides guaranteed protection
1
for your child even while
he or she is still in the womb
2
.
No other plan begins this early
PRUhrst gift protects your yet-to-be-born baby and the
expectant mother, immediately upon policy inception, and
from as early as 18 weeks into pregnancy. It also helps you
give your child a real head start in life even before he or she is
born–and plan for his or her future protection needs. Best of
all, it also offers you the flexibility to provide for your child’s
education and savings needs through investment.
Reassurance during pregnancy
PRUhrst gift covers the expectant mother against possible
Pregnancy Complications
3
as well as Death, Terminal Illness
and Disability
1
before childbirth, and your yet-to-be-born
baby against Death
3
.
Protection that begins from childbirth
Your baby’s guaranteed protection and investment plan
starts from the day he or she is born, without any need
for a health declaration
1
. In addition to enjoying coverage
against Death, Disability, Terminal Illness, Critical Illnesses
1,4

and Congenital Illnesses
6
, your child will also be eligible for
selected Hospital Care Benefits
5
.
• Lump sum payout of $5,000 per child for Congenital Illnesses
6

• Hospital Care Benefit
5
of $100 a day up to a limit of $2,500
for any of the following conditions:
- Incubation of a newborn child for more than 3 consecutive
days immediately following birth
- Premature childbirth requiring Neonatal ICU
- I npati ent hospi tal i sati on due to Hand, Foot and
Mouth Disease.
Call your Prudential Financial Consultant or
our PruCustomer Line at 1800 333 0 333.
www.prudential.com.sg
P
R
O
T
E
C
T
Prudential Assurance Company Singapore (Pte) Limited.
(Reg. No. 199002477Z)
30 Cecil Street #30-01 Prudential Tower
Singapore 049712
Tel: 1800 333 0 333 Fax: 6734 6953
Part of Prudential plc
About Prudential Assurance Company
Singapore (Pte) Limited
Prudential Singapore is one of the top life insurance
companies in Singapore and is a wholly owned subsidiary
of UK-based Prudential plc. As one of the market leaders
in investment-linked plans, Prudential Singapore has over
S$7.9 billion funds managed under PruLink funds as at 31
December 2009. With the dedicated team of approximately
3,800 financial consultants and over 600 employees,
Prudential Singapore has been serving the needs of more
than 600,000 policyholders with over 1.3 million policies
for almost 80 years in Singapore.
6. For Congenital Illness Benefit, we pay $5,000 if your child is
diagnosed by a registered medical practitioner as having any one of
the covered congenital illnesses. The child must be diagnosed with
Congenital Illness within two years from the date of delivery and
the child must survive at least 30 days from the date of delivery with
congenital illness. This benefit will terminate upon the payment of
sum assured or when child reaches the age of 2, whichever is earlier.
7. You must add the supplementary benefit(s) within 12 months from
the birth of your child. We provide this one-time discount of
20% for a maximum total yearly premium of $1,000. The list
of supplementary benefits eligible for discount will be determined
by Prudential Singapore and is subject to change without prior
notification.
8. Prudential Singapore reserves the right to change the Newborn Gift
Pack with items of equivalent value without prior notification. To
enjoy the Newborn Gift Pack, Prudential Singapore must be notified
of the child’s birth within 60 days from the child’s date of birth.
9. The premium is based on a female non-smoker, age 30 on her next
birthday.
10. Prudential Singapore reserves the right to vary the monthly adminstration
and assurance charges for the basic benefits of the Death, Total and
Permanent Disability, Terminal Illness and Crisis Cover Provider
III. However, we will give you 30 days written notice before doing
so.
11. Please refer to the PRUlink protection account policy document
for exact terms and conditions.
12. For Death Benefit of PRUmum2be, we pay $5,000 if the mother
dies during the term of the PRUmum2be policy. In that event, the
Pregnancy Complications Benefit automatically terminates while the
other benefits under PRUmum2be continue. The Death benefit
will terminate upon the payment of the sum assured or on the
third policy anniversary, whichever is earlier.
13. Investments are subject to investment risks including the possible
loss of the principal amount invested. The value of the units may fall
as well as rise.
14. For twins, we will pay the applicable sum assured for each twin in
accordance to the covered benefits.
Types of Pregnancy Complications
3,14
:
• Disseminated Intravascular
Coagulation
• Death of the Foetus
3

• Pre-Eclampsia or Eclampsia
• Fatty Liver of Pregnancy
• Amniotic Fluid Embolism
• Abruptio Placentae
• Postpartum Haemorrhage
requiring Hysterectomy
Types of Congenital Illnesses
6,14
:
• Down’s Syndrome
• Spina Bifida
• Tetralogy of Fallot
• Transposition of the
Great Vessels
• Atrial Septal Defect
• Absence of Two Limbs
• Anal Atresia
• Infantile Hydrocephalus
• Cleft Palate / Cleft Lip
• Cerebral Palsy
• Ventricular Septal Defect
• Club Foot
• Congenital Dislocation of Hip
• Congenital Blindness
• Congenital Deafness
• Congenital Diaphragmatic
Hernia
• Retinopathy of Prematurity
Please refer to the policy document for the exact terms
and conditions for the Pregnancy Complications Benefit and
Congenital Illnesses Benefit.
Benefits of PRUhrst gift
Enjoy Guaranteed Issuance Benefit
1
(for the child) and
Enhancement Benefit
7
, plus the following:
PRUmum2be PRUlink protection account
11
• Death Benefit
12
(mother)
• Pregnancy Complications
3
• Congenital Illnesses
6
• Hospital Care Benefit
5
• Death
1,4
• Terminal Illness
1,4
• Total and Permanent Disability
1,4
• Crisis Cover Provider III
1,4
(child)
• Potential investment returns
13
• Flexibility to adjust coverage
to suit different life stages and
needs of your child
We understand
you want to protect your
child before he is born
Simply choose from one of the available PRUhrst gift bundles.
PRUhrst gift 1 PRUhrst gift 2 PRUhrst gift 3
Sum Assured
PRUmum2be $5,000 $5,000 $5,000
PRUlink protection
account
$100,000 $200,000 $300,000
Premium payable
PRUmum2be
(Single Premium
9
)
$320 $320 $320
PRUlink protection
account
(Monthly Premium
10
)
$100
+
$200
+
$300
+
+
Premium is also available in quarterly, half-yearly and annual mode.
Note:
Your PRUhrst gift plan will not be valid if the birth of the child takes
place before the issuance of this plan.
This is for reference only and not a contract of insurance. Please refer
to the exact terms and conditions, specific details and exclusions
applicable to this insurance in the policy document that can be obtained
from a Prudential Financial Consultant.
Buying a life insurance policy is a long-term commitment. An early
termination of the policy usually involves high costs and the surrender
value payable may be less than the total premiums paid.
Investments are subject to investment risks including the possible loss
of the principal amount invested. The value of the units may fall as well
as rise.
Buying health insurance products that are not suitable for you may
impact your ability to finance your future healthcare needs. You
are recommended to seek advice from a qualified Financial Consultant
for a financial analysis before purchasing a policy suitable to meet
your needs.
In case of discrepancy between the English and Mandarin versions of
this brochure, the English version shall prevail.
Information is correct as at 15 June 2010.
PRUhrst gift: Protection from pregnancy to childbirth and beyond
PRUmum2be
Covers the mother against
pregnancy complications.
Covers the mother and
unborn child against death.
PRUlink protection account (including Crisis Cover Provider III)
Coverage on the child’s life commences
(coverage on the mother’s life ceases).
PRUlink protection
account Coverage on the
mother’s life.
Double your joy? Enjoy double protection too!
If you’re expecting twins, PRUhrst gift offers you the reassurance
that both the babies will be covered against selected Pregnancy
Complications
3
. Both babies will also enjoy Congenital Illness
Benefits
6
and Hospital Care Benefits
5
.
Enhancement benefit for your child
7
Add on supplementary benefits to your child’s plan within 12
months of his or her birth and enjoy a one-time 20% discount
off the first-year premiums.
A gift pack
8
for your newborn
Notify us of your child’s birth and you can look forward to
receiving an exclusive gift pack
8
(inclusive of an OMRON digital
thermometer and other complementary vouchers).
Two thoughtful plans rolled into one
PRUhrst gift cares for your bundle of joy through two plans
that provide seamless protection for both mother and baby,
namely PRUmum2be and PRUlink protection account.
PRUmum2be
Covers the child against
Congenital Illness and provides
Hospital Care Benefit. Covers
the mother against death.
PRUmum2be
Covers the
mother
against death.
Expectant Mothers
+

can only apply for PRUhrst gift during
18 and 32 weeks of pregnancy
+
The life assured (expectant mother) must be between age 19 to 45 next birthday.

18 wks 22 wks 26 wks 30 wks 32 wks Birth 60 days
from Birth
2 Years old 3rd Year
Policy Anniversary
Whole Life
P
R
O
T
E
C
T
PRUhrst gift
Footnotes:
1. Upon informing us of the birth of the child, the Mother’s PRUlink
protection account coverage will cease and the child’s PRUlink
protection account coverage will commence from the date of
birth of the child. We will also automatically include Crisis Cover
Provider III to the child’s PRUlink protection account policy.
The PRUlink protection account will terminate upon the expiry
of 60 days from the Estimated Due Date of the child if you have
not notified us of the birth of the child at that time. We will require
evidence of good health if you notify us after 60 days from the date
of birth of the child.
2. The life assured (expectant mother) must be between ages 19 to 45
next birthday and between 18 to 32 weeks of pregnancy.
3. For Pregnancy Complications Benefit, we pay $5,000 upon the
diagnosis of any one of the covered pregnancy complications. For
the Death of foetus coverage, there is a waiting period of 14 days
from the inception date of your policy. This benefit will terminate
upon the payment of the sum assured, or when the child is born,
whichever is earlier.
4. Benefits for the child’s PRUlink protection account coverage
will be reduced if Death and Terminal Illness occur when the child is
age 30 days and below, and for Disability and Critical Illness,
the benefits will be reduced when the child is below age one. Please
refer to your policy documents for the exact terms and conditions
on “Termination of Policy”. Death, Terminal Illness and Disability
benefits do not terminate at age 2.
5. Hospital Care Benefit, is only payable if the child is hospitalised in
Singapore or Malaysia for the covered conditions. It will terminate
upon the claim limit of $2,500 per life is reached or when the child
reaches the age of 2, whichever is earlier.
The First Gift that Begins from Within
The first and only offering of its kind in Singapore, PRUhrst
gift provides guaranteed protection
1
for your child even while
he or she is still in the womb
2
.
No other plan begins this early
PRUhrst gift protects your yet-to-be-born baby and the
expectant mother, immediately upon policy inception, and
from as early as 18 weeks into pregnancy. It also helps you
give your child a real head start in life even before he or she is
born–and plan for his or her future protection needs. Best of
all, it also offers you the flexibility to provide for your child’s
education and savings needs through investment.
Reassurance during pregnancy
PRUhrst gift covers the expectant mother against possible
Pregnancy Complications
3
as well as Death, Terminal Illness
and Disability
1
before childbirth, and your yet-to-be-born
baby against Death
3
.
Protection that begins from childbirth
Your baby’s guaranteed protection and investment plan
starts from the day he or she is born, without any need
for a health declaration
1
. In addition to enjoying coverage
against Death, Disability, Terminal Illness, Critical Illnesses
1,4

and Congenital Illnesses
6
, your child will also be eligible for
selected Hospital Care Benefits
5
.
• Lump sum payout of $5,000 per child for Congenital Illnesses
6

• Hospital Care Benefit
5
of $100 a day up to a limit of $2,500
for any of the following conditions:
- Incubation of a newborn child for more than 3 consecutive
days immediately following birth
- Premature childbirth requiring Neonatal ICU
- I npati ent hospi tal i sati on due to Hand, Foot and
Mouth Disease.
Call your Prudential Financial Consultant or
our PruCustomer Line at 1800 333 0 333.
www.prudential.com.sg
P
R
O
T
E
C
T
Prudential Assurance Company Singapore (Pte) Limited.
(Reg. No. 199002477Z)
30 Cecil Street #30-01 Prudential Tower
Singapore 049712
Tel: 1800 333 0 333 Fax: 6734 6953
Part of Prudential plc
About Prudential Assurance Company
Singapore (Pte) Limited
Prudential Singapore is one of the top life insurance
companies in Singapore and is a wholly owned subsidiary
of UK-based Prudential plc. As one of the market leaders
in investment-linked plans, Prudential Singapore has over
S$7.9 billion funds managed under PruLink funds as at 31
December 2009. With the dedicated team of approximately
3,800 financial consultants and over 600 employees,
Prudential Singapore has been serving the needs of more
than 600,000 policyholders with over 1.3 million policies
for almost 80 years in Singapore.
6. For Congenital Illness Benefit, we pay $5,000 if your child is
diagnosed by a registered medical practitioner as having any one of
the covered congenital illnesses. The child must be diagnosed with
Congenital Illness within two years from the date of delivery and
the child must survive at least 30 days from the date of delivery with
congenital illness. This benefit will terminate upon the payment of
sum assured or when child reaches the age of 2, whichever is earlier.
7. You must add the supplementary benefit(s) within 12 months from
the birth of your child. We provide this one-time discount of
20% for a maximum total yearly premium of $1,000. The list
of supplementary benefits eligible for discount will be determined
by Prudential Singapore and is subject to change without prior
notification.
8. Prudential Singapore reserves the right to change the Newborn Gift
Pack with items of equivalent value without prior notification. To
enjoy the Newborn Gift Pack, Prudential Singapore must be notified
of the child’s birth within 60 days from the child’s date of birth.
9. The premium is based on a female non-smoker, age 30 on her next
birthday.
10. Prudential Singapore reserves the right to vary the monthly adminstration
and assurance charges for the basic benefits of the Death, Total and
Permanent Disability, Terminal Illness and Crisis Cover Provider
III. However, we will give you 30 days written notice before doing
so.
11. Please refer to the PRUlink protection account policy document
for exact terms and conditions.
12. For Death Benefit of PRUmum2be, we pay $5,000 if the mother
dies during the term of the PRUmum2be policy. In that event, the
Pregnancy Complications Benefit automatically terminates while the
other benefits under PRUmum2be continue. The Death benefit
will terminate upon the payment of the sum assured or on the
third policy anniversary, whichever is earlier.
13. Investments are subject to investment risks including the possible
loss of the principal amount invested. The value of the units may fall
as well as rise.
14. For twins, we will pay the applicable sum assured for each twin in
accordance to the covered benefits.
Types of Pregnancy Complications
3,14
:
• Disseminated Intravascular
Coagulation
• Death of the Foetus
3

• Pre-Eclampsia or Eclampsia
• Fatty Liver of Pregnancy
• Amniotic Fluid Embolism
• Abruptio Placentae
• Postpartum Haemorrhage
requiring Hysterectomy
Types of Congenital Illnesses
6,14
:
• Down’s Syndrome
• Spina Bifida
• Tetralogy of Fallot
• Transposition of the
Great Vessels
• Atrial Septal Defect
• Absence of Two Limbs
• Anal Atresia
• Infantile Hydrocephalus
• Cleft Palate / Cleft Lip
• Cerebral Palsy
• Ventricular Septal Defect
• Club Foot
• Congenital Dislocation of Hip
• Congenital Blindness
• Congenital Deafness
• Congenital Diaphragmatic
Hernia
• Retinopathy of Prematurity
Please refer to the policy document for the exact terms
and conditions for the Pregnancy Complications Benefit and
Congenital Illnesses Benefit.
Benefits of PRUhrst gift
Enjoy Guaranteed Issuance Benefit
1
(for the child) and
Enhancement Benefit
7
, plus the following:
PRUmum2be PRUlink protection account
11
• Death Benefit
12
(mother)
• Pregnancy Complications
3
• Congenital Illnesses
6
• Hospital Care Benefit
5
• Death
1,4
• Terminal Illness
1,4
• Total and Permanent Disability
1,4
• Crisis Cover Provider III
1,4
(child)
• Potential investment returns
13
• Flexibility to adjust coverage
to suit different life stages and
needs of your child
We understand
you want to protect your
child before he is born
Simply choose from one of the available PRUhrst gift bundles.
PRUhrst gift 1 PRUhrst gift 2 PRUhrst gift 3
Sum Assured
PRUmum2be $5,000 $5,000 $5,000
PRUlink protection
account
$100,000 $200,000 $300,000
Premium payable
PRUmum2be
(Single Premium
9
)
$320 $320 $320
PRUlink protection
account
(Monthly Premium
10
)
$100
+
$200
+
$300
+
+
Premium is also available in quarterly, half-yearly and annual mode.
Note:
Your PRUhrst gift plan will not be valid if the birth of the child takes
place before the issuance of this plan.
This is for reference only and not a contract of insurance. Please refer
to the exact terms and conditions, specific details and exclusions
applicable to this insurance in the policy document that can be obtained
from a Prudential Financial Consultant.
Buying a life insurance policy is a long-term commitment. An early
termination of the policy usually involves high costs and the surrender
value payable may be less than the total premiums paid.
Investments are subject to investment risks including the possible loss
of the principal amount invested. The value of the units may fall as well
as rise.
Buying health insurance products that are not suitable for you may
impact your ability to finance your future healthcare needs. You
are recommended to seek advice from a qualified Financial Consultant
for a financial analysis before purchasing a policy suitable to meet
your needs.
In case of discrepancy between the English and Mandarin versions of
this brochure, the English version shall prevail.
Information is correct as at 15 June 2010.
PRUhrst gift: Protection from pregnancy to childbirth and beyond
PRUmum2be
Covers the mother against
pregnancy complications.
Covers the mother and
unborn child against death.
PRUlink protection account (including Crisis Cover Provider III)
Coverage on the child’s life commences
(coverage on the mother’s life ceases).
PRUlink protection
account Coverage on the
mother’s life.
Double your joy? Enjoy double protection too!
If you’re expecting twins, PRUhrst gift offers you the reassurance
that both the babies will be covered against selected Pregnancy
Complications
3
. Both babies will also enjoy Congenital Illness
Benefits
6
and Hospital Care Benefits
5
.
Enhancement benefit for your child
7
Add on supplementary benefits to your child’s plan within 12
months of his or her birth and enjoy a one-time 20% discount
off the first-year premiums.
A gift pack
8
for your newborn
Notify us of your child’s birth and you can look forward to
receiving an exclusive gift pack
8
(inclusive of an OMRON digital
thermometer and other complementary vouchers).
Two thoughtful plans rolled into one
PRUhrst gift cares for your bundle of joy through two plans
that provide seamless protection for both mother and baby,
namely PRUmum2be and PRUlink protection account.
PRUmum2be
Covers the child against
Congenital Illness and provides
Hospital Care Benefit. Covers
the mother against death.
PRUmum2be
Covers the
mother
against death.
Expectant Mothers
+

can only apply for PRUhrst gift during
18 and 32 weeks of pregnancy
+
The life assured (expectant mother) must be between age 19 to 45 next birthday.

18 wks 22 wks 26 wks 30 wks 32 wks
Birth
60 days
from Birth
2 Years old 3rd Year
Policy Anniversary
Whole Life
P
R
O
T
E
C
T
PRUhrst gift
Footnotes:
1. Upon informing us of the birth of the child, the Mother’s PRUlink
protection account coverage will cease and the child’s PRUlink
protection account coverage will commence from the date of
birth of the child. We will also automatically include Crisis Cover
Provider III to the child’s PRUlink protection account policy.
The PRUlink protection account will terminate upon the expiry
of 60 days from the Estimated Due Date of the child if you have
not notified us of the birth of the child at that time. We will require
evidence of good health if you notify us after 60 days from the date
of birth of the child.
2. The life assured (expectant mother) must be between ages 19 to 45
next birthday and between 18 to 32 weeks of pregnancy.
3. For Pregnancy Complications Benefit, we pay $5,000 upon the
diagnosis of any one of the covered pregnancy complications. For
the Death of foetus coverage, there is a waiting period of 14 days
from the inception date of your policy. This benefit will terminate
upon the payment of the sum assured, or when the child is born,
whichever is earlier.
4. Benefits for the child’s PRUlink protection account coverage
will be reduced if Death and Terminal Illness occur when the child is
age 30 days and below, and for Disability and Critical Illness,
the benefits will be reduced when the child is below age one. Please
refer to your policy documents for the exact terms and conditions
on “Termination of Policy”. Death, Terminal Illness and Disability
benefits do not terminate at age 2.
5. Hospital Care Benefit, is only payable if the child is hospitalised in
Singapore or Malaysia for the covered conditions. It will terminate
upon the claim limit of $2,500 per life is reached or when the child
reaches the age of 2, whichever is earlier.
The First Gift that Begins from Within
The first and only offering of its kind in Singapore, PRUhrst
gift provides guaranteed protection
1
for your child even while
he or she is still in the womb
2
.
No other plan begins this early
PRUhrst gift protects your yet-to-be-born baby and the
expectant mother, immediately upon policy inception, and
from as early as 18 weeks into pregnancy. It also helps you
give your child a real head start in life even before he or she is
born–and plan for his or her future protection needs. Best of
all, it also offers you the flexibility to provide for your child’s
education and savings needs through investment.
Reassurance during pregnancy
PRUhrst gift covers the expectant mother against possible
Pregnancy Complications
3
as well as Death, Terminal Illness
and Disability
1
before childbirth, and your yet-to-be-born
baby against Death
3
.
Protection that begins from childbirth
Your baby’s guaranteed protection and investment plan
starts from the day he or she is born, without any need
for a health declaration
1
. In addition to enjoying coverage
against Death, Disability, Terminal Illness, Critical Illnesses
1,4

and Congenital Illnesses
6
, your child will also be eligible for
selected Hospital Care Benefits
5
.
• Lump sum payout of $5,000 per child for Congenital Illnesses
6

• Hospital Care Benefit
5
of $100 a day up to a limit of $2,500
for any of the following conditions:
- Incubation of a newborn child for more than 3 consecutive
days immediately following birth
- Premature childbirth requiring Neonatal ICU
- I npati ent hospi tal i sati on due to Hand, Foot and
Mouth Disease.
Call your Prudential Financial Consultant or
our PruCustomer Line at 1800 333 0 333.
www.prudential.com.sg
P
R
O
T
E
C
T
Prudential Assurance Company Singapore (Pte) Limited.
(Reg. No. 199002477Z)
30 Cecil Street #30-01 Prudential Tower
Singapore 049712
Tel: 1800 333 0 333 Fax: 6734 6953
Part of Prudential plc
About Prudential Assurance Company
Singapore (Pte) Limited
Prudential Singapore is one of the top life insurance
companies in Singapore and is a wholly owned subsidiary
of UK-based Prudential plc. As one of the market leaders
in investment-linked plans, Prudential Singapore has over
S$7.9 billion funds managed under PruLink funds as at 31
December 2009. With the dedicated team of approximately
3,800 financial consultants and over 600 employees,
Prudential Singapore has been serving the needs of more
than 600,000 policyholders with over 1.3 million policies
for almost 80 years in Singapore.
6. For Congenital Illness Benefit, we pay $5,000 if your child is
diagnosed by a registered medical practitioner as having any one of
the covered congenital illnesses. The child must be diagnosed with
Congenital Illness within two years from the date of delivery and
the child must survive at least 30 days from the date of delivery with
congenital illness. This benefit will terminate upon the payment of
sum assured or when child reaches the age of 2, whichever is earlier.
7. You must add the supplementary benefit(s) within 12 months from
the birth of your child. We provide this one-time discount of
20% for a maximum total yearly premium of $1,000. The list
of supplementary benefits eligible for discount will be determined
by Prudential Singapore and is subject to change without prior
notification.
8. Prudential Singapore reserves the right to change the Newborn Gift
Pack with items of equivalent value without prior notification. To
enjoy the Newborn Gift Pack, Prudential Singapore must be notified
of the child’s birth within 60 days from the child’s date of birth.
9. The premium is based on a female non-smoker, age 30 on her next
birthday.
10. Prudential Singapore reserves the right to vary the monthly adminstration
and assurance charges for the basic benefits of the Death, Total and
Permanent Disability, Terminal Illness and Crisis Cover Provider
III. However, we will give you 30 days written notice before doing
so.
11. Please refer to the PRUlink protection account policy document
for exact terms and conditions.
12. For Death Benefit of PRUmum2be, we pay $5,000 if the mother
dies during the term of the PRUmum2be policy. In that event, the
Pregnancy Complications Benefit automatically terminates while the
other benefits under PRUmum2be continue. The Death benefit
will terminate upon the payment of the sum assured or on the
third policy anniversary, whichever is earlier.
13. Investments are subject to investment risks including the possible
loss of the principal amount invested. The value of the units may fall
as well as rise.
14. For twins, we will pay the applicable sum assured for each twin in
accordance to the covered benefits.
Types of Pregnancy Complications
3,14
:
• Disseminated Intravascular
Coagulation
• Death of the Foetus
3

• Pre-Eclampsia or Eclampsia
• Fatty Liver of Pregnancy
• Amniotic Fluid Embolism
• Abruptio Placentae
• Postpartum Haemorrhage
requiring Hysterectomy
Types of Congenital Illnesses
6,14
:
• Down’s Syndrome
• Spina Bifida
• Tetralogy of Fallot
• Transposition of the
Great Vessels
• Atrial Septal Defect
• Absence of Two Limbs
• Anal Atresia
• Infantile Hydrocephalus
• Cleft Palate / Cleft Lip
• Cerebral Palsy
• Ventricular Septal Defect
• Club Foot
• Congenital Dislocation of Hip
• Congenital Blindness
• Congenital Deafness
• Congenital Diaphragmatic
Hernia
• Retinopathy of Prematurity
Please refer to the policy document for the exact terms
and conditions for the Pregnancy Complications Benefit and
Congenital Illnesses Benefit.
Benefits of PRUhrst gift
Enjoy Guaranteed Issuance Benefit
1
(for the child) and
Enhancement Benefit
7
, plus the following:
PRUmum2be PRUlink protection account
11
• Death Benefit
12
(mother)
• Pregnancy Complications
3
• Congenital Illnesses
6
• Hospital Care Benefit
5
• Death
1,4
• Terminal Illness
1,4
• Total and Permanent Disability
1,4
• Crisis Cover Provider III
1,4
(child)
• Potential investment returns
13
• Flexibility to adjust coverage
to suit different life stages and
needs of your child
We understand
you want to protect your
child before he is born
Simply choose from one of the available PRUhrst gift bundles.
PRUhrst gift 1 PRUhrst gift 2 PRUhrst gift 3
Sum Assured
PRUmum2be $5,000 $5,000 $5,000
PRUlink protection
account
$100,000 $200,000 $300,000
Premium payable
PRUmum2be
(Single Premium
9
)
$320 $320 $320
PRUlink protection
account
(Monthly Premium
10
)
$100
+
$200
+
$300
+
+
Premium is also available in quarterly, half-yearly and annual mode.
Note:
Your PRUhrst gift plan will not be valid if the birth of the child takes
place before the issuance of this plan.
This is for reference only and not a contract of insurance. Please refer
to the exact terms and conditions, specific details and exclusions
applicable to this insurance in the policy document that can be obtained
from a Prudential Financial Consultant.
Buying a life insurance policy is a long-term commitment. An early
termination of the policy usually involves high costs and the surrender
value payable may be less than the total premiums paid.
Investments are subject to investment risks including the possible loss
of the principal amount invested. The value of the units may fall as well
as rise.
Buying health insurance products that are not suitable for you may
impact your ability to finance your future healthcare needs. You
are recommended to seek advice from a qualified Financial Consultant
for a financial analysis before purchasing a policy suitable to meet
your needs.
In case of discrepancy between the English and Mandarin versions of
this brochure, the English version shall prevail.
Information is correct as at 15 June 2010.
PRUhrst gift: Protection from pregnancy to childbirth and beyond
PRUmum2be
Covers the mother against
pregnancy complications.
Covers the mother and
unborn child against death.
PRUlink protection account (including Crisis Cover Provider III)
Coverage on the child’s life commences
(coverage on the mother’s life ceases).
PRUlink protection
account Coverage on the
mother’s life.
Double your joy? Enjoy double protection too!
If you’re expecting twins, PRUhrst gift offers you the reassurance
that both the babies will be covered against selected Pregnancy
Complications
3
. Both babies will also enjoy Congenital Illness
Benefits
6
and Hospital Care Benefits
5
.
Enhancement benefit for your child
7
Add on supplementary benefits to your child’s plan within 12
months of his or her birth and enjoy a one-time 20% discount
off the first-year premiums.
A gift pack
8
for your newborn
Notify us of your child’s birth and you can look forward to
receiving an exclusive gift pack
8
(inclusive of an OMRON digital
thermometer and other complementary vouchers).
Two thoughtful plans rolled into one
PRUhrst gift cares for your bundle of joy through two plans
that provide seamless protection for both mother and baby,
namely PRUmum2be and PRUlink protection account.
PRUmum2be
Covers the child against
Congenital Illness and provides
Hospital Care Benefit. Covers
the mother against death.
PRUmum2be
Covers the
mother
against death.
Expectant Mothers
+

can only apply for PRUhrst gift during
18 and 32 weeks of pregnancy
+
The life assured (expectant mother) must be between age 19 to 45 next birthday.

18 wks 22 wks 26 wks 30 wks 32 wks
Birth
60 days
from Birth
2 Years old 3rd Year
Policy Anniversary
Whole Life

500 for any of the following conditions: . it also offers you the flexibility to provide for your child’s education and savings needs through investment. Protection that begins from childbirth Your baby’s guaranteed protection and investment plan starts from the day he or she is born.Inpatient hospitalisation due to Hand. and your yet-to-be-born baby against Death3. Foot and Mouth Disease.4 and Congenital Illnesses6.Premature childbirth requiring Neonatal ICU . and from as early as 18 weeks into pregnancy. It also helps you give your child a real head start in life even before he or she is born–and plan for his or her future protection needs. In addition to enjoying coverage against Death. Terminal Illness and Disability1 before childbirth. Terminal Illness. without any need for a health declaration1. No other plan begins this early PRU   protects your yet-to-be-born baby and the expectant mother. PRU   provides guaranteed protection1 for your child even while he or she is still in the womb2.000 per child for Congenital Illnesses6 • Hospital Care Benefit5 of $100 a day up to a limit of $2. immediately upon policy inception. Best of all.The First Gift that Begins from Within The first and only offering of its kind in Singapore. . Reassurance during pregnancy PRU  covers the expectant mother against possible Pregnancy Complications3 as well as Death. Disability.Incubation of a newborn child for more than 3 consecutive days immediately following birth . Critical Illnesses1. your child will also be eligible for selected Hospital Care Benefits5. • Lump sum payout of $5.

000 $300. namely PRU and PRU. PRU Covers the mother against death. PRU  offers you the reassurance that both the babies will be covered against selected Pregnancy Complications3. + Premium is also available in quarterly. .000 $100. A gift pack for your newborn Notify us of your child’s birth and you can look forward to receiving an exclusive gift pack8 (inclusive of an OMRON digital thermometer and other complementary vouchers).000 $200. Covers the mother against death.000 $100 + $200 + $300 + Two thoughtful plans rolled into one PRU  cares for your bundle of joy through two plans that provide seamless protection for both mother and baby. PRU Covers the mother against pregnancy complications. Covers the mother and unborn child against death. Enhancement benefit for your child7 Add on supplementary benefits to your child’s plan within 12 months of his or her birth and enjoy a one-time 20% discount off the first-year premiums.000 $5.  PRU  PRU  PRU Sum Assured PRU PRU  Premium payable PRU (Single Premium9 ) PRU  (Monthly Premium10 ) $320 $320 $320 $5. PRU (including ) Coverage on the child’s life commences (coverage on the mother’s life ceases). half-yearly and annual mode.000 $5. PRU Covers the child against Congenital Illness and provides Hospital Care Benefit. Both babies will also enjoy Congenital Illness Benefits6 and Hospital Care Benefits5. 18 wks 22 wks 26 wks 30 wks 32 wks Birth 60 days from Birth 2 Years old 3rd Year Policy Anniversary Whole Life Expectant Mothers+ can only apply for PRU  during 18 and 32 weeks of pregnancy + The life assured (expectant mother) must be between age 19 to 45 next birthday. PRU : Protection from pregnancy to childbirth and beyond PRU  Coverage on the mother’s life.Double your joy? Enjoy double protection too! If you’re expecting twins. 8 Simply choose from one of the available PRU bundles.

14 : • • • • • • • • Down’s Syndrome Spina Bifida Tetralogy of Fallot Transposition of the Great Vessels Atrial Septal Defect Absence of Two Limbs Anal Atresia Infantile Hydrocephalus • • • • • • • • Cleft Palate / Cleft Lip Cerebral Palsy Ventricular Septal Defect Club Foot Congenital Dislocation of Hip Congenital Blindness Congenital Deafness Congenital Diaphragmatic Hernia • Retinopathy of Prematurity Please refer to the policy document for the exact terms and conditions for the Pregnancy Complications Benefit and Congenital Illnesses Benefit.4 Terminal Illness1. plus the following: PRU • • • • Death Benefit12 (mother) Pregnancy Complications3 Congenital Illnesses6 Hospital Care Benefit5 • • • • • • PRU11 Death1.Benefits of PRU  Enjoy Guaranteed Issuance Benefit1 (for the child) and Enhancement Benefit7.4 Total and Permanent Disability1. .4 (child) Potential investment returns13 Flexibility to adjust coverage to suit different life stages and needs of your child Types of Pregnancy Complications3.4  1.14 : • Disseminated Intravascular Coagulation • Death of the Foetus3 • Pre-Eclampsia or Eclampsia • Fatty Liver of Pregnancy • Amniotic Fluid Embolism • Abruptio Placentae • Postpartum Haemorrhage requiring Hysterectomy Types of Congenital Illnesses6.

Benefits for the child’s PRU   coverage will be reduced if Death and Terminal Illness occur when the child is age 30 days and below. Hospital Care Benefit. and for Disability and Critical Illness.com. It will terminate upon the claim limit of $2. This benefit will terminate upon the payment of the sum assured.4 (child) Potential investment returns13 Flexibility to adjust coverage to suit different life stages and needs of your child www.Benefits of PRU  Enjoy Guaranteed Issuance Benefit1 (for the child) and Enhancement Benefit7.4 Terminal Illness1.4  1. the Mother’s PRU  coverage will cease and the child’s PRU   coverage will commence from the date of birth of the child.500 per life is reached or when the child reaches the age of 2.14 : • Disseminated Intravascular Coagulation • Death of the Foetus3 • Pre-Eclampsia or Eclampsia • Fatty Liver of Pregnancy • Amniotic Fluid Embolism • Abruptio Placentae • Postpartum Haemorrhage requiring Hysterectomy Types of Congenital Illnesses6.4 Total and Permanent Disability1. is only payable if the child is hospitalised in Singapore or Malaysia for the covered conditions. we pay $5.14 : • • • • • • • • Down’s Syndrome Spina Bifida Tetralogy of Fallot Transposition of the Great Vessels Atrial Septal Defect Absence of Two Limbs Anal Atresia Infantile Hydrocephalus • • • • • • • • Cleft Palate / Cleft Lip Cerebral Palsy Ventricular Septal Defect Club Foot Congenital Dislocation of Hip Congenital Blindness Congenital Deafness Congenital Diaphragmatic Hernia • Retinopathy of Prematurity Please refer to the policy document for the exact terms and conditions for the Pregnancy Complications Benefit and Congenital Illnesses Benefit.sg Footnotes: 1. Death1. The PRU will terminate upon the expiry of 60 days from the Estimated Due Date of the child if you have not notified us of the birth of the child at that time.000 upon the diagnosis of any one of the covered pregnancy complications. 2. the benefits will be reduced when the child is below age one.prudential. 4. For Pregnancy Complications Benefit. there is a waiting period of 14 days from the inception date of your policy. plus the following: PRU • • • • Death Benefit12 (mother) Pregnancy Complications3 Congenital Illnesses6 Hospital Care Benefit5 • • • • • • PRU 11 Call your Prudential Financial Consultant or our PruCustomer Line at 1800 333 0 333. 5. The life assured (expectant mother) must be between ages 19 to 45 next birthday and between 18 to 32 weeks of pregnancy. whichever is earlier. Terminal Illness and Disability benefits do not terminate at age 2. We will also automatically include    to the child’s PRU   policy. Types of Pregnancy Complications3. 3. Upon informing us of the birth of the child. Death. or when the child is born. We will require evidence of good health if you notify us after 60 days from the date of birth of the child. Please refer to your policy documents for the exact terms and conditions on “Termination of Policy”. For the Death of foetus coverage. whichever is earlier. .

Prudential Singapore reserves the right to change the Newborn Gift Pack with items of equivalent value without prior notification. However. The Death benefit will terminate upon the payment of the sum assured or on the third policy anniversary.000 if the mother dies during the term of the PRU policy. The value of the units may fall as well as rise. Terminal Illness and  . 8. we pay $5. whichever is earlier. age 30 on her next birthday. Prudential Singapore reserves the right to vary the monthly adminstration and assurance charges for the basic benefits of the Death. 13. we will give you 30 days written notice before doing so. 14. Total and Permanent Disability. 11. In that event. We provide this one-time discount of 20% for a maximum total yearly premium of $1. To enjoy the Newborn Gift Pack. . The list of supplementary benefits eligible for discount will be determined by Prudential Singapore and is subject to change without prior notification. The premium is based on a female non-smoker. Please refer to the PRU policy document for exact terms and conditions. the Pregnancy Complications Benefit automatically terminates while the other benefits under PRU continue. You must add the supplementary benefit(s) within 12 months from the birth of your child. we will pay the applicable sum assured for each twin in accordance to the covered benefits. 10. 7. The child must be diagnosed with Congenital Illness within two years from the date of delivery and the child must survive at least 30 days from the date of delivery with congenital illness. 9. we pay $5. This benefit will terminate upon the payment of sum assured or when child reaches the age of 2. Investments are subject to investment risks including the possible loss of the principal amount invested. For Congenital Illness Benefit.000. Prudential Singapore must be notified of the child’s birth within 60 days from the child’s date of birth.6. 12. whichever is earlier.000 if your child is diagnosed by a registered medical practitioner as having any one of the covered congenital illnesses. For twins. For Death Benefit of PRU.

An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid. You are recommended to seek advice from a qualified Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. . The value of the units may fall as well as rise. Information is correct as at 15 June 2010. specific details and exclusions applicable to this insurance in the policy document that can be obtained from a Prudential Financial Consultant. Please refer to the exact terms and conditions. This is for reference only and not a contract of insurance. Buying a life insurance policy is a long-term commitment. Investments are subject to investment risks including the possible loss of the principal amount invested.Note: Your PRU  plan will not be valid if the birth of the child takes place before the issuance of this plan. the English version shall prevail. In case of discrepancy between the English and Mandarin versions of this brochure.

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